A circular icon divided into eight sections with a sailboat in the center. The sections include symbols for education, housing, a person with glasses, an airplane, money, a storefront, and a graduation cap, representing different aspects of lifestyle or priorities.

Prepare to Gybe: Focused working session for your most pressing questions

This option works best for clients who aren’t ready to commit to a full financial plan and/or are facing shorter term financial decisions (e.g. buying a home, considering a new opportunity, or want a rapid retirement financial health check). To gain maximum value from the session we strongly encourage clients to complete a “simplified online plan” in advance of the meeting.

We use our intuitive digital platform to gather the relevant financial information and ask clarifying questions prior to a 90 minute call. The call will be a “working session” within the financial planning software where we explore potential options to the decision you are most concerned about. We provide 3-5 actionable takeaways for your consideration alongside a recording of our working session.

  • This is a 30-day initial engagement culminating in a 90 minute recorded call. Follow-up calls are available for an additional fee as is maintaining access to the financial planning software. Unlimited email support is included during the initial engagement

  • Follow-up calls are available for $300/CAD per hour (and subject to waitlists). Clients can maintain edit access to the work we have done in the financial planning software for $8.99 per month after the initial engagement period is complete. All figures exclude applicable sales tax.

Start your plan online (No obligation)
Or book a free introductory call
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Chart your course: Co-create a customized and pragmatic financial plan

This our most common package and is only available to clients who are willing to co-create a financial plan using our intuitive digital platform. Gybe will support you along the way.

For clients 5+ years from retirement the plan typically is more focused on goal definition, cashflow, savings, and investments

For clients <5 years to retirement (or those already retired) the plan typically includes detailed retirement projections, explores various retirement scenarios, including tax-efficient ways of drawing retirement income

We will conduct three in depth and interactive discussions

1. Discovery: Where we work to understand your goals

2. Foundations: Where we confirm our understanding of your situation and explore early opportunities

3. Plan Review: Where we walk through the plan and discuss how to put it into action. Our planning and depth of analysis will be customized to the areas where we agree the most value a can be added for your unique situation.

(See image below for process details)

  • This is a 90 day initial engagement culminating in a written foundations document and a written financial plan including priority implementation actions. Includes unlimited email and reasonable meeting support during the 90-day initial engagement.

  • The base package price will be confirmed on engagement initiation and is payable 50% on initiation and 50% at the end of the initial engagement period. Corporations or other complexities may increase base package price.

    Upon completing the initial engagement clients have 3 options.

    #1 Become ongoing Co-Created financial planning clients which includes support in putting your plan into action and multiple planning meetings starting at $2,999/year.

    #2 Become “Self-Serve” clients which includes continued access to our innovative software for $8.99/month and allows for follow-up meetings and/or analysis at a rate of $350/hour (subject to waitlist)

    #3 Discontinue services, keeping the static financial plan as delivered. Follow-ups are available through the “Prepare to Gybe” service.

Start your plan online (No obligation)
Or book a free introductory call

Hire a captain: Full service comprehensive advice-only financial planning

Line drawing of a person in a captain's uniform with a hat, waving at a sailing ship with a star and waves in the background.

In this option Gybe does the heavy lifting, crafting your financial plan with your input and guidance. We then work with you for a year to support implementing the actions we agreed together.

You can expect 5+ interactive discussions and an ongoing dialogue throughout the year to help you navigate changes.

1. Discovery: Where we work to understand and clarify your goals

2. Foundations: Where we share our understanding of your situation and explore early opportunities

3. Plan Review: Where we walk through the plan and key opportunities

4. Implementation working session(s): Where we work hand-in-hand with you and your other advisors to put your plan into action

5. Ongoing strategy sessions focused on tax planning, investment strategy, and goal refinement.

  • This is a full service, white-glove offering. It includes unlimited priority email and meeting support for plan revisions, education, and implementation planning support. We will also work directly/coordinate with your other advisors (accounts, lawyers, investment managers etc. as appropriate.)

  • The base package price will be confirmed on engagement initiation. Corporations or other complexities may increase base package price.

    This is a full service package, there will be no additional charges beyond the annual package price.

    Second year pricing will be discounted 25% from the Hire a captain first year pricing at that time. All figures exclude applicable sales tax.

Book a free introductory call